It appears that I was expected to buy a pen with change.
Requiring people to carry quarters to buy a pen seems unreasonable.
Overall, it took almost exactly 90 minutes from the moment I entered the building to the moment I left.
I was relieved that it didn't take longer, but my relief mostly derived from the reputation DMVs have received for slow service. Given that all I needed to do was have my photo taken and submit paperwork I had mostly assembled, the process could have been more efficient.
According to a study conducted by the website DMV.com, which is not affiliated with any government agency, the average wait time at a DMV was 44 minutes, as of February 2018. I waited about an hour from the minute I got in my first line to the moment I was called up to submit my paperwork for my license exchange. So while I avoided the worst-case scenario, going to the DMV continues to be a pain.